SpendNote vs Finances

Track expenses and income in seconds, plan monthly budgets, and understand where your money goes—without creating an account or connecting a bank. SpendNote is a private, offline-first expense tracker and budget planner. Your ledger stays on your device by default, with no ads and no third-party analytics SDKs. PRIVATE BY DEFAULT • No account required to start • No ads and no ad SDKs • No bank connection required • Your ledger stays on your device by default • No third-party analytics SDKs MADE FOR THE EVERYDAY • Fast amount entry for expenses and income • Useful default categories plus free custom categories • Monthly overview, budget progress, recent activity, search, and repeat bills • Notes, dates, local backup and restore • Recent CSV export in the free plan • Face ID protection when you want it UNDERSTAND WHAT CHANGED Use on-device insights, monthly review, and filtered reports to see category drivers, compare periods, and answer specific spending questions without uploading your ledger. SPENDNOTE PRO Pro adds advanced filtered reports, recurring-cost control, deeper trends, unlimited budgets, private Home Screen and Lock Screen widgets, and full-history or filtered CSV export. Widgets show simple budget status without exposing transaction details. SpendNote Pro is an auto-renewable subscription available monthly or yearly. Eligible new subscribers may receive a 7-day free trial. Prices, billing currency, tax, and trial availability are shown by Apple before purchase and can vary by storefront. Payment is charged to your Apple Account after a trial ends. Your subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account subscription settings. Restore purchases is available in the app. SpendNote is a personal budgeting and bookkeeping aid, not a financial institution. It does not provide investment, tax, legal, loan, banking, or credit advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

How much can you spend today and still make it to payday? Finances answers with one number and shows how it adds up. SAFE TO SPEND TODAY Your account balances minus a protected reserve and every planned payment before your next income. Below it, a daily guide. If payments exceed your money, the app tells you by which date and how much you need to receive to pay everything on time. LOG IT IN TWO SECONDS "Coffee 4 from card #work" — the amount, account, category and tags sort themselves out, and "Taxi 12+8" adds up. By voice, by the QR code on a Russian receipt, with Siri, from Control Center or with one tap in a Home Screen widget. A PLAN THAT RUNS ITSELF Payments and income with any repeat: daily, on chosen weekdays, every few weeks, quarterly or yearly. Salary in two installments. A payment can record itself, and a limit can carry its remainder into next month. Start the budget month on payday if you like. A Plan calendar and a 3-, 6- or 12-month forecast. REMINDERS THAT DON'T NAG "Internet — $15, tomorrow" with a Paid button right in the notification, Received on payday, a day summary, limits running low, a subscription that got more expensive. All of them are opt-in. GOALS AND A WANT-TO-BUY LIST Goals with a savings plan: on the day, tap Saved it right in the notification. Next to them, a list of things you want, each showing from which day it won't get in the way of your payments. LOANS, INVESTMENTS AND NET WORTH Cards, cash, deposits, loans and money you lent or borrowed, all on one screen, with this month's change. A loan, mortgage or installment plan with its terms: marking a payment Paid in Plan reduces the debt, interest is shown separately, and a prepayment is worked out in advance — how much sooner the loan ends and how much you keep. Brokerage and deposit accounts show their return separately from top-ups, and savings accounts and deposits with a rate calculate interest on each day's balance and record it once a month. Accounts in any currency at central bank rates. Widgets, search and export. PRIVATE BY DESIGN No tracking, no ads, and an account is optional. Your data stays on your device. With sync through your account, records are encrypted on your device, so our server only sees ciphertext. A family budget lives in your iCloud. Face ID lock and hide all amounts with one tap. WITH A FINANCES ACCOUNT Everything above works without an account and with no time limit. A Finances account is the same one as in the web version on any computer. If it includes extended access, sign in and these tools open here: • an assistant for your own numbers: ask in plain words — "how much can I spend per day?", "where did my money go?", "when will my loan be paid off?". It answers from your data, does loan and deposit math, explains money basics and logs transactions for you. It runs right on the device; • detailed analytics for a month, three months or a year: spending pace, categories and subcategories, subscriptions, where you spend, loans and investments for the period, PDF and Excel reports; • bank statement import from PDF, Excel and CSV, plus CoinKeeper, Zenmoney and 1Money exports; duplicates and transfers are checked before anything is saved; • sync across iPhone, iPad, Mac and the web through your account, encrypted on your device, and a family budget. English, Russian, Spanish and German. iPhone and iPad with iOS 18 or later.